Know your payment, not just your rate.
See your all-in monthly number, try a 2-1 buydown, compare rates and check what fits your budget. Then send me your scenario in one tap.
2-1 buydown
The rate is 2% lower in year 1 and 1% lower in year 2, then the full rate. Uses your loan amount, rate and term. Principal & interest only.
Sum of the monthly savings in years 1 and 2$0
Sellers or builders often pay for a 2-1 buydown through a credit, which can make it a useful negotiating tool. Availability, cost and qualifying rules vary by lender and loan program.
Compare two rates
Same loan amount and term. Add discount points paid for the lower rate to see the break-even.
1 point = 1% of the loan amount. How much a point lowers the rate varies by lender.
What can I afford?
A quick debt-to-income (DTI) estimate using the down payment %, rate, term, tax, insurance, PMI and HOA from your scenario.
Before taxes, all borrowers combined.
Car and student loans, minimum credit card payments, etc. Not rent or utilities.
Front = housing payment ÷ income. Back = housing + debts ÷ income. 28/36 is a conservative rule of thumb, and many programs allow more. Your lender sets the real limits.
Your scenario
Drag the sliders or type exact numbers. Everything updates live, and the page link updates so you can share it.
Default ≈ Spokane County 2026 median sale price (Jan–Sep, Spokane REALTORS®).
Default: U.S. avg 30-yr fixed, Freddie Mac PMMS®, Oct 15 2026. Your rate may differ.
Estimate. Get a real quote for the home you're considering.
Amortization
How your loan balance falls over time.
Year-by-year table
| Year | Principal | Interest | Balance |
|---|
Let's look at your real numbers.
I'm Jeff Thomas, REALTOR® and Team Lead of Location NW Group at Amplify Real Estate Services in Spokane. Send me your scenario and I'll help you build a plan around a payment you're comfortable with. No pressure, just real info. #letsgetyouhome